Apple Card vs Delta SkyMiles® Gold Business
Side-by-side comparison
| Apple Card | Delta SkyMiles® Gold Business | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | No current offer | |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 2% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $654 |
| Points type | Cash back only | Locked to Delta SkyMiles |
| Network | Mastercard | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Apple Card earns about $900 a year in rewards and the Delta SkyMiles® Gold Business about $654, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Delta SkyMiles® Gold Business charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Apple Card delivers more total value, about $396 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and office supplies. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Delta SkyMiles® Gold Business currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Apple Card if your spending leans toward office supplies, phone & internet, everything else.